220 Bernard Ave, Cincinnati, OH 45215 Property Records

Hamilton County property record for 220 Bernard Ave, Cincinnati, OH 45215

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,119 sqft · built 1941
Lot Size	0.142 acres (6,186 sqft)
Owner	Individual Name on File
Tax Bill	$1,675 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`671-0001-0028-00`

Property Details

APN / Parcel Number

Primary APN	`671-0001-0028-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
Gross Area	1,952 sqft
1st Floor Area	756 sqft
Attic	Attic
Attic Area	363 sqft
Basement Area	833 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	77 sqft
Patio Area	261 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	220 BERNARD AVE
City	CINCINNATI
State	OH
Zip	45215-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD AVE 50 X 125
Jurisdiction	HAMILTON OH
Township / Civil Division	READING
Census Block Group	1
Census Block	1002
Census Tract	23201

Owner

Source: Hamilton County assessment roll, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Loan Assumption FIFTH THIRD BANK NA
Jun 3, 2025	Affidavit of Death of Joint Tenant, Transfer
Sep 29, 2022	Affidavit of Death of Joint Tenant, Transfer
Sep 29, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 22, 2022
Transfer Doc	0000092414
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005203
Date	Jan 22, 2026
Book Page	15587/1306
Instrument	2026-0005203

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

June 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Jun 3, 2025
Property Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000040812
Book / Page	15429 / 1108
Instrument Date	May 28, 2025
Instrument	2025-0040812
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON OH
Recording Date	Sep 29, 2022
Property Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000092414
Book / Page	14762 / 1184
Instrument Date	Sep 20, 2022
Instrument	2022-0092414
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404

September 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 29, 2022
Property Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404
Document Number	0000092415
Book / Page	14762 / 1188
Instrument Date	Sep 20, 2022
Instrument	2022-0092415
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	220 BERNARD AVE, CINCINNATI, OH 45215-3404

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Reading City
Unified School District	Reading Community City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,675.00 (+1.82%) Homeowner's exemption	$40,257 (-) Land $9,282 Building $30,975	$115,020 (-) Land $26,520 Building $88,500
2024	$1,645.00 (+0.86%) Homeowner's exemption	$40,257 (-) Land $9,282 Building $30,975
2023	$1,631.00 (-0.49%) Homeowner's exemption	$40,257 (+26.55%) Land $9,282 Building $30,975	$115,020 (+26.55%) Land $26,520 Building $88,500
2022	$1,639.00 Homeowner's exemption	$31,812 Land $7,462 Building $24,350
2020			$90,890 Land $21,320 Building $69,570

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (1979–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING CITY PWS serves 9,506 people · EPA ID OH3101812
Water Source	Purchased surface water from CINCINNATI PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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